Klarna may run so - called soft credit searches or unrecorded credit searches that do not affect your credit scoring and are only visible to you and Klarna. Neither Klarna nor Bensons for Beds run credit searches against you that could impact your credit rating.
Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.